McHenry County property record for 813 Area St, McHenry, IL 60051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,326 sqft · built 1979 |
| Lot Size | 0.62 acres (27,007 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $9,510 (2024) |
| Deeds & Mortgages | Jun 2026 Mortgage Feb 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-29-377-001 |
| Primary APN | 15-29-377-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 4 Half Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,326 sqft Living Area |
| 1st Floor Area | 2,326 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Foundation Type | No Foundation |
| Lot Area | 27,007 sqft (0.62 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 813 AREA ST |
|---|---|
| City | MCHENRY |
| State | IL |
| Zip | 60051-9704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOC 2022R0009370 PT SE1/4 SW1/4 |
| Legal Block | 377 |
| Jurisdiction | MCHENRY IL |
| Township / Civil Division | NUNDA |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 870812 |
Source: McHenry County records, as of June 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 813 AREA ST, MCHENRY, IL 60051-9704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Jun 8, 2026 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
| Feb 21, 2024 | Deed of Trust, Mortgage · FHA Mortgage M & T BANK |
| Mar 11, 2022 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Oct 11, 2022 | Intrafamily Transfer, Transfer · VA Mortgage JFQ LENDING INC |
| Nov 8, 2019 | Warranty Deed, Transfer · VA Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 11, 2022 |
| Deed Sale | Oct 11, 2022 |
| Prior Sale | Mar 11, 2022 · Amount on Record |
| Deed Document Number | 202234902 |
| Prior Transfer Date | Feb 10, 2021 |
| Prior Transfer Doc | 0000034902 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Jun 8, 2026 |
| Property Address | 813 AREA ST, MCHENRY, IL 60051-9704 |
| Document Number | 0000016039 |
| Instrument Date | May 14, 2026 |
| Instrument | 202616039 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 813 AREA ST, MCHENRY, IL 60051-9704 |
| Document Number | 0000016039, |
|---|---|
| Date | Jun 8, 2026 |
| Instrument | 202616039 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 310 Months |
| Due | Apr 1, 2052 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCHENRY IL |
| Property Address | 813 AREA ST, MCHENRY, IL 60051-9704 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 813 AREA ST, MCHENRY, IL 60051-9704 |
| Document Number | 0000003899 |
|---|---|
| Date | Feb 21, 2024 |
| Instrument | 2024R0003899 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 338 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Mar 11, 2022 |
| Property Address | 813 AREA ST, MCHENRY, IL 60051-9704 |
| Document Number | 0000009370 |
| Instrument Date | Mar 11, 2022 |
| Instrument | 2022R0009370 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2022 |
| Title Company | PROPER TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $320.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 813 AREA ST, 813, MCHENRY, IL 60051-9704 |
| Name | Verified Name |
|---|---|
| Address | 813 AREA ST, MCHENRY, IL 60051-9704 |
| Document Number | 0000009371 |
|---|---|
| Date | Mar 11, 2022 |
| Instrument | 2022R0009371 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Oct 11, 2022 |
| Property Address | 813 AREA ST, MCHENRY, IL 60051-9704 |
| Document Number | 0000034902 |
| Instrument Date | Feb 10, 2021 |
| Instrument | 2022R0034902 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2022 |
| Title Company | AMROCK INC, AMROCK LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 813 AREA ST, MCHENRY, IL 60051-9704 |
| Document Number | 0000034903 |
|---|---|
| Date | Oct 11, 2022 |
| Instrument | 2022R0034903 |
| Name | JFQ LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 341 Months |
| Due | Mar 1, 2051 |
| Rate | 2.25% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCHENRY IL |
| Recording Date | Nov 8, 2019 |
| Property Address | 813 AREA ST, MCHENRY, IL 60051-9704 |
| Document Number | 0000038481 |
| Instrument Date | Oct 15, 2019 |
| Instrument | 2019R0038481 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 813 AREA ST, MCHENRY, IL 60051-9704 |
| Document Number | 0000038482 |
|---|---|
| Date | Nov 8, 2019 |
| Instrument | 2019R0038482 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2049 |
| Rate | 3.99% |
|---|
Source: McHenry County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | McHenry County |
| County Subdivision | Nunda Township |
| Unified School District | Wauconda Community Unit School District 118 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $9,510.00 | $138,903 (+21.94%) Land $20,037 Building $118,866 | $416,709 (+21.94%) Land $60,111 Building $356,598 |
| 2022 | Disabled Person's exemption Veteran's exemption | $113,915 Land $16,433 Building $97,482 | $341,745 Land $49,299 Building $292,446 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective February 28, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 32 (1979–2026) |
| Claims Outside the SFHA | 2 of 32 |
| Most Recent Claim | May 2026 · other causes |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 61% of Illinois |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | AQUA ILLINOIS-NUNDA private · serves 485 people · EPA ID IL1115600 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2024 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 139 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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